宁夏银行基层网点运营流程优化研究

发布时间：2018-01-11 14:03

本文关键词：宁夏银行基层网点运营流程优化研究　出处：《宁夏大学》2015年硕士论文　论文类型：学位论文

【摘要】：银行基层网点作为面向广大客户最直接、最前沿的服务阵地,是银行业务延伸拓展的基础,是银行最基础的部门单元,作为银行提供金融服务的场所,不仅要给客户提供现金存取和转账汇款等结算服务,也是银行整体服务形象、企业文化和经营理念的具体体现,是银行最重要的宣传服务平台。进一步提高和优化基层网点运营流程,是当前商业银行降低服务成本,提高运营效率,提升对外服务形象的必然选择,也是经济发展和市场竞争的需要,更是商业银行追求转型,实现“向管理要效益”的内生要求,特别是在当前金融脱媒和利率市场化不断深化的大背景下,银行通过基层网络实施流程再造,重塑以市场为导向,以客户为导向,高效的业务流程的运作,成为国内银行业为应对市场竞争,推动业务转型的战略选择。本文在对目前宁夏银行基层营业网点运营流程现状广泛调研的基础上,比较和学习国内先进中小城市商业银行基层网点运营流程设计和规划后,针对宁夏银行基层网点运营流程的现状和问题进行探讨和研究,试图从业务操作、产品销售、运营流程和内控管理等方面探求宁夏银行基层网点运营流程优化的途径和措施,为新形势下宁夏银行的战略转型,增强核心竞争力提供一定参考。
[Abstract]:As the most direct and the most forward service position for the vast number of customers, the bank grass-roots network is the basis for the expansion of the banking business, the most basic sector unit of the bank, and the place where the bank provides financial services. Not only to provide customers with cash access and transfer and remittance settlement services, but also the overall service image of the bank, corporate culture and business philosophy. It is the most important propaganda service platform for banks. To further improve and optimize the operation process of grass-roots network is the inevitable choice for commercial banks to reduce service costs, improve operational efficiency and enhance external service image. It is also the need of economic development and market competition. It is also an endogenous requirement for commercial banks to pursue transformation and realize the "benefit from management", especially against the background of the current financial disintermediation and the deepening of interest rate marketization. Banks through the grass-roots network to implement process reengineering, reshaping market-oriented, customer-oriented, efficient business process operation, become the domestic banking industry to cope with market competition. The strategic choice to promote business transformation. This paper on the basis of extensive investigation on the current situation of the current operation process of the basic business outlets of Ningxia Bank. After comparing and studying the design and planning of the operation process of commercial banks in domestic advanced medium and small cities, this paper discusses and studies the current situation and problems of the operation process of commercial banks in Ningxia, and attempts to operate from the business. This paper probes into the ways and measures of optimizing the operation process of Ningxia Bank's grass-roots network in the aspects of product sales, operation process and internal control management, which provides a certain reference for the strategic transformation of Ningxia Bank under the new situation and the enhancement of its core competitiveness.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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